MetroCity Bankshares [MCBS] vs OFG Bancorp [OFG] Detailed Stock Comparison

MetroCity Bankshares Inc.

NASDAQ
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OFG Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: MetroCity Bankshares Inc. wins in 6 metrics, OFG Bancorp wins in 12 metrics, with 0 ties. OFG Bancorp appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric MetroCity Bankshares Inc. OFG Bancorp Better
P/E Ratio (TTM) 11.93 9.24 OFG Bancorp
Price-to-Book Ratio 1.67 1.39 OFG Bancorp
Debt-to-Equity Ratio 0.97 0.42 OFG Bancorp
PEG Ratio 1.53 0.56 OFG Bancorp
Profit Margin (TTM) 43.95% 33.64% MetroCity Bankshares Inc.
Operating Margin (TTM) 61.52% 42.01% MetroCity Bankshares Inc.
EBITDA Margin (TTM) 61.52% 42.01% MetroCity Bankshares Inc.
Return on Equity 14.20% 16.04% OFG Bancorp
Return on Assets (TTM) 1.64% 1.80% OFG Bancorp
Free Cash Flow (TTM) $37.03M $199.34M OFG Bancorp
Dividend Yield 4.43% 2.57% MetroCity Bankshares Inc.
1-Year Return 26.34% 17.22% MetroCity Bankshares Inc.
Price-to-Sales Ratio (TTM) 5.81 3.05 OFG Bancorp
Enterprise Value $1.04B $1.86B OFG Bancorp
EV/Revenue Ratio 6.68 2.92 OFG Bancorp
Revenue per Share (TTM) $6 $14 OFG Bancorp
Earnings per Share (Diluted) $2.64 $4.84 OFG Bancorp
Beta (Stock Volatility) 0.69 N/A N/A
Short % of Float 1.73% 3.73% MetroCity Bankshares Inc.

MetroCity Bankshares Inc. vs OFG Bancorp Stock Performance Analysis

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MCBS
OFG

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
MetroCity Bankshares Inc.-1.40%0.18%8.33%18.29%17.51%28.74%
OFG Bancorp-0.92%2.56%8.30%21.20%12.74%16.09%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
MetroCity Bankshares Inc.26.34%84.41%90.87%243.00%243.00%243.00%
OFG Bancorp17.22%79.06%122.40%472.82%295.23%282.34%

Performance & Financial Health Analysis: MetroCity Bankshares Inc. vs OFG Bancorp

MetricMCBSOFG
Market Information
Market Cap i$908.09M$1.99B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i96,829264,900
90 Day Avg. Volume i128,140348,273
Last Close$33.82$47.62
52 Week Range$24.53 - $35.30$35.71 - $48.56
% from 52W High-4.19%-1.93%
All-Time High$36.15 (Nov 25, 2024)$48.56 (Jun 15, 2026)
% from All-Time High-6.45%-1.94%
Growth Metrics
Quarterly Revenue Growth0.24%0.07%
Quarterly Earnings Growth0.12%0.18%
Financial Health
Profit Margin (TTM) i0.44%0.34%
Operating Margin (TTM) i0.62%0.42%
Return on Equity (TTM) i0.14%0.16%
Debt to Equity (MRQ) i0.970.42
Cash & Liquidity
Book Value per Share (MRQ)$18.88$32.13
Cash per Share (MRQ)$13.56$14.88
Operating Cash Flow (TTM) i$37.70M$62.78M
Levered Free Cash Flow (TTM) i$68.53M$205.10M
Dividends
Last 12-Month Dividend Yield i4.43%2.57%
Last 12-Month Dividend i$1.21$1.05

Valuation & Enterprise Metrics Analysis: MetroCity Bankshares Inc. vs OFG Bancorp

MetricMCBS (Apr 24, 2026)OFG (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i11.939.24
Forward P/E i9.699.59
PEG Ratio i1.530.56
Price to Sales (TTM) i5.813.05
Price to Book (MRQ) i1.671.39
Market Capitalization
Market Capitalization i$908.09M$1.99B
Enterprise Value i$1.04B$1.86B
Enterprise Value Metrics
Enterprise to Revenue i6.682.92
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.69N/A
Book Value per Share (MRQ) i$18.88$32.13

Financial Statements Comparison: MetroCity Bankshares Inc. vs OFG Bancorp

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricMCBS (2025)OFG (2025)
Revenue/Sales i153.42M675.22M
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i92.69M234.12M
Pre-Tax Income % of Revenue i60.4%34.7%
Income Tax i24.16M29.01M
Income Tax % of Revenue i15.7%4.3%
Net Income (Profit) i68.53M205.10M
Profit Margin i44.7%30.4%

Balance Sheet & Liquidity Metrics

MetricMCBS (2025)OFG (2025)
Cash & Equivalents i370.83M1.04B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i386.61M423.17M
Long-Term Debt % of Revenue i252.0%62.7%
Total Shareholders Equity i544.18M1.39B
Retained Earnings i402.68M904.63M
Retained Earnings % of Revenue i262.5%134.0%
Property, Plant & Equipment i15.19M21.26M

Cash Flow Statement Comparison

MetricMCBS (2025)OFG (2025)
Operating Cash Flow i44.64M62.78M
Operating Cash Flow % of Revenue i29.1%9.3%
Capital Expenditures i-674,000-16.96M
Free Cash Flow i37.03M199.34M
FCF Margin i24.1%29.5%
Debt Repayment i-50.00MN/A
Common Stock Repurchase i-2.73M-91.60M

Short Interest & Institutional Ownership Analysis

MetricMCBSOFG
Shares Short i392,8811.09M
Short Ratio i2.922.60
Short % of Float i1.73%3.73%
Shares Outstanding i28.82M43.26M
Float Shares i22.10M42.30M
% Held by Insiders i22.00%1.13%
% Held by Institutions i22.73%99.69%
% Held by Public i55.27%-0.82%

Dividend Analysis & Yield Comparison: MetroCity Bankshares Inc. vs OFG Bancorp

MetricMCBSOFG
Last 12-Month Dividend i$1.21$1.05
Last 12-Month Dividend Yield i4.43%2.57%
3-Year Avg Annual Dividend i$0.92$0.91
3-Year Avg Dividend Yield i0.87%0.71%
3-Year Total Dividends i$2.76$2.73
Ex-Dividend DateFeb 04, 2026Mar 31, 2025